tashayar said:

1. Just checked card offers and if you click on the link for Citi Prof, then click "back" you will get a popup (make sure you have enabled popups) for an offer with 15,000 ty pts and still the $40 through cardoffers.

Tried that and I get an error message (can't display page) when I hit apply. Hopefully this will resolve itself soon. Thanks for the heads up on the Charles Schwab, the AMEX Gold and the nano link, will forgo the tiger direct as it does seem like too many people are having issues.

As far as the business cards go I didn't realize that they don't help with your overall utilizaiton I just knew that they don't count against your personal credit...I guess they go hand in hand though. I may have to re-evaluate which business cards I apply for then as some of them had uncapped BT's and were not 0% I was just going for the rewards. Ok, well thanks again guys.

Just had a strange/disconcerting experience, didn't think it waranted another thread though. Received a hard pull on my credit from what I thought was my HSBC savings account application yesterday. I was kind of peeved b/c I didn't think there would be a hard pull, but I didn't think any more of it.

Log into my yodlee account and find a new chase credit card that wasn't there before...hmm, go to my chase account and sure enough there was a Chase card opened with a 5k limit. Well, I certainly didn't open it up especially with this AOR coming up.

It turns out that HSBC did not do a hard pull (pull was listed as First USA bank) to open the account, so more than likely it was due to this new credit card that I never signed up for.

So I closed the new credit card but am wondering if/how much this will impact my AOR in any way. I'm still quite confused on how a card that I never applied for would appear on my account.

taxmantoo said:

The FUSA pull was indeed for a Chase card. Did you apply for the $150 Sony card statement credit last month?

No. The pull was done on 1/31, same day as I opened the HSBC thus why I thought it was that at first. To my knowledge I didn't apply for any card that's why I'm perplexed and a bit worried. I talked to fraud protection at Chase and all they could tell me was that the card was applied for and sent out on 1/31. The only thing that I did in relation to my chase credit card account was apply for a CLI on my existing card from 11k to 30k which was done ~1/17.

WalStMonky said:You should have requested they move the 5k line to your 30k card!

Did you ask the nice CSR to what address the new card was sent?

Doh, no I did not, I was so thrown by the whole thing I didn't even think of asking where it was sent. Since I had it canceled would it be possible to call up fraud protection again and see where it was sent or is that pretty much done now? Ditto for the reallocation, they actually asked me if I wanted to do that and I said no b/c I just didn't know where the hell it came from and just wanted everything shut down heh.

WalStMonky said:Actually the address to where that card is headed might tell you what you need to do. If it's going somewhere you don't know you might really need those fraud alerts. If it's going to a relative's or an ex-friend's you still need to address it but I guess I think that might be something you'd want to handle differently. If it's headed to your home you'll want to verify with the USPS that a change of address order hasn't been placed on your mail. And if none of the above maybe you have a sleepwalking problem? I guess you want the fruad alert in any case.

I hope you figure it out. Chase fraud is open 24/7 if I'm not mistaken. I'm sure you won't be the last person to call back with a subsequent question...this morning.

Maybe it was an identity theft, but he could redirect it to his house, and report the first one stolen! I wouldn't cancel it, but a fraud alert would help, although slow down instant approvals, and (does a fraud alert mean a denial at some places?) I would be very mad if it was an ID thief. He should find out where the card was sent, and check out the address. I remember seeing a website where you can post an address, and free vigilante type spies will go there and check it out for you. I can't remember what site it is though!

Well I appreciate all the help. I called fraud protection again and they verified that it was sent to my address. I'm going to the post office to see if there was an address change placed on my residence. I dunno maybe I do have a sleep credit card ordering problem but I really don't think I applied for the cards even though all signs are pointing to the fact that I did.

I don't know how this will affect my AOR. I didn't ask them to put a fraud alert on my account because if they did that then all applications would be under review w/ my social security number and if they see an influx of applications it would raise flags, so I just asked them to close the card. I'm going to give it a few weeks and see if anything else squirly happens, which sucks b/c I wanted to do my AOR next Friday, but better to be safe than app happy. Thanks again to all who gave their advice.

Well the mystery chase card appeared in my mail so I don't know maybe I applied for this somehow although I still don't think I did but with the evidence pointing to yes what can you do. Anyway the card was cancelled and torn up when I got it in the mail. So, with the identity theft issue put to bed I commenced with my App-O-Ramma. Results posted in OP.

grendhal said:i second the juniper card tip. i received my highest non-business lines from them. also, i eneded up applying for the second card two weeks after my initial AOR (17 apps total) and was still approved with almost as a high a limit as the 1st juniper card i applied for during the AOR.

Woops, missed this somehow. Noted and applied for. Updated in OP. Thanks again!

Well I'm starting to get cards in as well as denial letters. I was denied all three of my Chase cards which was somewhat surprising. I did however learn, I have a chase checking account with $2,000 "overdraft" protection which Chase counts as a credit card surprisingly enough. When I called customer service they sighted the fact that I have $32k worth of exposure with them.

So it looks like that in combination with the mystery card put a halt to further credit with Chase at this time which is bad as I don't have a 0% Chase card currently. So I have $30k of credit sitting on an unusable card which is annoying.

little4ce said:Why do I get the feeling that this was a bit of unthought aor?
Did you find your credit scores before applying? Did you look to see how many and where hit the credit inquiries, have you heard of B? Did you call CA about the inq?

Can you post some results with the actual transfers?

Not sure why you think this. If you read the post credit scores are one of the first things listed. I had one credit hit in 2005, then a mystery credit card which I didn't believe I applied for from Chase were the only two credit inquries prior to the AOR. Also the credit hits I listed further down the post. Not sure if you read it all the way through but you may want to re-read. Have I heard of B? Not sure what you mean. As of yet I haven't transfered any money as (again if you read through the post) I wanted to complete the initial purchases for rewards, pay them off then proceed with the BT's.